Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

sirlizzie

Thanks for that Iowis

The elder dog age 5 and epileptic has recently come to us via Dogs Trust and so the epilepsy care will be funded in part by them so I was aware that this would be excluded. As DT supply a months free insurance that is why Petplan rang me.

My other dog is a foster that came for brief stay and never left, and so had no previous insurance, and to our knowledge no dealings with a vet previously other than vaccinations and the spay we had done last summer.

I think if any would be needing future vet care it will be her, she has a tendency to eat anything/everything, so knowing how easily huge bills can be racked up quickly, i have ferrets and they have cost me an arm and a leg at times. I feel that for piece of mind I may as well try to get decent 'cover for life' but at a sensible price without a huge excess/% if possible.

lowis

well axa covered my 14 year old siamese with no problem. when i adopted him last year all i had to do was provide axa with proof of adoption and a letter stating that he was in good health at the time of adoption - there was no traceable medical history for him, his owner had died and the family of the owner couldn;t find any papers from any vets or anything.

good luck x

Middle_Sister

I took out dog insurance with Debenhams yesterday for £183.31 which is for their Gold cover with vets fees up to £7K. Reading the small print is says "Cover is provided subject to the indemnity limit of £7K". So I take it that means anything over £7K I have to meet myself? This is so confusing. The policy is with AXA but which policy gives you "cover for life" if say my dog gets kidney disease or some such? I wish I could find a table of insurers and what they actually do/don't cover.

lowis

i think the debenhams one gives you £7k to last for the life of the dog, anything beyond that you have to cover yourself

a direct policy with AXA gives you £7k a year for life.

axa underwrite many policies offered by 3rd parties, some are 'for life' and some aren't. it appears the debenhams one isn't from what you describe.

Middle_Sister

lowis, thanks that that. I went thru Axa and got the £7K cover per year for £174.09 - so cheaper and better.

sirlizzie

Just got a quote from AXA for my epileptic 5yr old dog 153.88, only slightly cheaper than petplan but more cover less excess so it looks like I'll be on phone tomorrow to cancel the two Petplan policies and to take out 2 with AXA, and pray neither get ill until the new policy kicks in
Petplan has worked out more expensive with less cover and bigger excess and the multiple dog discount!

Does Axa have a multiple discount, I saw when i did the quote that there is a question asking for other pets policy number.

lowis

i wish i got commission from AXA!

i am sure AXA would offer a small discount for multiple pets, give them a ring. they answer their phone very quickly and everyone i ahev spoken to are very helpful and friendly.

sirlizzie

Thanks lowis, so your not a secret Axa pet insurance sales person then?:rotfl:

If i cancel the petplan tomorrow and take out the axa, starting soonest date possible, how long do the documents take to arrive? I take it that they will require more info than entered when doing the request for a quote, and some signature will be required, all this insurance stuff is really doing my head in

I just want to be sure that they are covered as soon as possible, especially as there will be another 14 day lead in.

lowis

no, i'm not! if only! i reckon i have "sold" about 6 or 7 policies on here now!

as i recall i received my documents within 7 days, but my cat was covered from when i submitted my banking details and online application - but best to check with axa

MarcHawes

I have recieved quotes serveral quotes ...

Axa seem to offer the best quote at about £18 per month, but this does seem a bit steep? Can anyone recommend any other insurers?

Thank you
Marc Hawes